The limitations and Dollar Amounts for Transfers and Payments in Bank of America (does not apply to Transfers Outside Bank of America) using Online Banking are subject to the following limitations:

• Bill payments can be for any amount between $0.01 and $9,999,999.99.

• One-time immediate transfers between linked Bank of America accounts can be for any amount between $0.01 and $9,999,999.99.

• One-time immediate transfers from a linked Bank of America account to a linked MLPF&S investment account may not exceed $9,999,999.99. Additional dollar limitations and verifications may apply.

• One-time immediate transfers from a linked MLPF&S investment account to a linked Bank of America account may not exceed $25,000. Additional dollar limitations and verifications may apply.

• Transfers submitted to the accounts of other Bank of America customers may not total more than $1,000 during any 24-hour period or $2,500 during any 7-day period for personal accounts. If one is a U.S. Trust or Merrill Lynch Wealth Management client may have higher limits for this type of transfer.

• If one is a Small Business customer, may also have higher limits for this type of transfer. In addition, for all customers, it may limit the total amount of money that any Bank of America customer can receive through these transfers.

• Scheduled and recurring transfers between linked Bank of America accounts can be for any amount between $0.01 and $9,999,999.99.

• Scheduled and recurring transfers between a linked MLPF&S investment account and a linked Bank of America account can be for any amount between $0.01 and $9,999,999.99. Additional dollar limitations may apply.

• Consumers participating in the Email/Mobile Transfer Network Service may send up to 10 transfers with an aggregate dollar limit of $2,500 and receive up to 10 transfers with an aggregate dollar limit of $5,000 during any 24-hour period, and may not send or receive in excess of 30 transfers with an aggregate dollar amount of $20,000 in any 30-day period.

• If one is a U.S. Trust or Merrill Lynch Wealth Management client may have higher limits for this type of transfer.

• Small business customers may receive up to 10 transfers with an aggregate dollar limit of $25,000 during any 24-hour period and 30 transfers with an aggregate dollar amount of $100,000 in any 30-day period.

• Receiver limits may not apply to transfers from customers of other banks participating in the clearXchange network. The minimum transfer amount under the Email/Mobile Transfer Service is $1.00.

• All transfer limits are subject to temporary reductions to protect the security of customer accounts and/or the transfer system.

• At discretion Bank may refuse to process any transaction that exceeds any of the above limits. In this case, one is responsible for making alternate arrangements or rescheduling the payment or transfer within Online Banking.